More Investment Opportunities: New Feature for Fully Funded Projects

At Urbanitae, we’ve been observing a pattern for a while—one you already know well as investors: some projects get funded extremely fast. Sometimes, literally in seconds. That’s why, when a project is ready to be published on the website—after passing all filters and approvals—we announce it a few days in advance so you can review the documentation calmly and decide whether it fits you. And even then, you might still miss it on opening day.

The interesting part is that even if a project reaches 100% instantly, it doesn’t mean it’s definitively closed at that exact moment. European crowdfunding regulation establishes a pre-contractual reflection period for non-experienced investors: for four calendar days, they can withdraw their investment offer without having to justify the decision and without any penalty.

The practical consequence? Within those four days, part of the invested capital may be released… and a real opening may appear to get in.

The new feature: invest if a ticket is freed

To take advantage of that window of opportunity, we’ve enabled a new feature: in projects that have recently reached 100% funding, any investor can request to invest in case a withdrawal occurs within the legal period.

On the project page, you’ll see a message like this:

This project is already funded. If you want to invest, enter the amount and accept the conditions. If another investor withdraws during the legal period, your investment will be executed automatically, following the request order and provided you have sufficient balance at that time.

Put simply: it’s like joining an ordered queue. If a ticket is freed, the system executes automatically the requests in order of arrival, as long as there’s enough balance.

Why it’s useful for you as an investor

The benefits of this new option are clear:

• Expands your chances of getting in even when a project already appears as funded.
• Reduces frustration: if a spot opens up, you can take it even if you missed the initial opening.
• Automates the process: if it’s your turn and capital is released, the investment is executed without you needing to react in real time.

Important: this is a firm commitment

This option is not the same as “showing interest”—it is binding for the investor:

• It’s not a reservation.
• It’s not a consequence-free waiting list.
• It’s an investment conditional on a spot being freed.

If you join and, during the legal period, a withdrawal creates space, your investment will be executed automatically.

Key requirement: enough balance in your wallet

For the request to be valid, you need sufficient balance in your wallet at the time you submit it.

Example: if you request to invest €1,000 but you only have €500 available, the request is automatically rejected. The reason is simple: if it becomes your turn and a spot opens up, the system must be able to execute the investment without friction.

How it works, step by step

1. You enter a project that is already 100% funded.
2. You enter the amount you want to invest and accept the conditions.
3. If, within the legal reflection period, capital is released due to a withdrawal, your investment is executed automatically.
4. Execution follows the request order and requires sufficient balance at that time.

This feature is now available in funded projects on the platform. If you narrowly missed out on one, you now have an extra way to try to get in—with clear rules and automatic execution if the opportunity opens.